advance rate

简明释义

掘进速度

英英释义

例句

1.When applying for a loan, ask about the advance rate offered.

申请贷款时，询问所提供的预付款利率。

2.Investors should understand the advance rate when evaluating a mortgage-backed security.

投资者在评估抵押贷款支持证券时应了解预付款利率。

3.The bank offers a competitive advance rate for home equity loans.

银行为房屋净值贷款提供了具有竞争力的预付款利率。

4.A higher advance rate can lead to increased borrowing capacity for businesses.

更高的预付款利率可以提高企业的借款能力。

5.The advance rate for this line of credit is set at 80%.

这条信用额度的预付款利率设定为80%。

作文

In the world of finance and business, understanding various terms is crucial for making informed decisions. One such term that often comes up in discussions about loans, credit, and investments is the advance rate. The advance rate refers to the percentage of the total value of an asset or portfolio that a lender is willing to provide as a loan. This concept is particularly important in asset-based lending, where the loan amount is determined based on the value of collateral, such as inventory, receivables, or real estate. For instance, if a company has assets worth $1 million and the lender offers an advance rate of 70%, the company can borrow up to $700,000 against those assets.Understanding the implications of the advance rate is essential for both borrowers and lenders. For borrowers, a higher advance rate means they can access more capital, which can be used for various purposes, such as expanding operations, purchasing new equipment, or managing cash flow. However, it is also important to consider the associated risks. A higher advance rate may indicate that the lender perceives the assets to be riskier, which could lead to higher interest rates or stricter repayment terms.On the lender's side, determining the appropriate advance rate involves assessing the quality and liquidity of the collateral. Lenders typically conduct thorough due diligence to evaluate the assets' market value, historical performance, and potential risks. A conservative advance rate reflects a cautious approach to lending, ensuring that the lender is protected in case of default. Conversely, an aggressive advance rate might attract more borrowers but increases the lender's exposure to risk.The advance rate can also vary significantly across different industries. For example, a retail business with substantial inventory might have a higher advance rate compared to a technology company relying on intellectual property. This variability underscores the importance of industry knowledge when negotiating loan terms.Moreover, the advance rate can be influenced by economic conditions. In times of economic stability, lenders may be more willing to offer higher advance rates, while during economic downturns, they might tighten their lending criteria. This dynamic nature of the advance rate highlights the need for businesses to stay informed about market trends and adjust their financial strategies accordingly.In conclusion, the advance rate is a vital concept in the realm of finance, serving as a key indicator of how much capital a borrower can access based on their assets. Both borrowers and lenders must understand its implications to navigate the complexities of financing effectively. By grasping the nuances of the advance rate, businesses can make better financial decisions, ensuring they are well-positioned for growth and success in a competitive marketplace.

在金融和商业的世界中，理解各种术语对于做出明智的决策至关重要。其中一个经常在贷款、信用和投资讨论中出现的术语是advance rate。advance rate指的是贷方愿意提供作为贷款的资产或投资组合总价值的百分比。这个概念在基于资产的贷款中尤为重要，在这种情况下，贷款金额是根据抵押品的价值确定的，例如库存、应收账款或房地产。例如，如果一家公司拥有价值100万美元的资产，而贷方提供的advance rate为70%，那么该公司可以借用高达70万美元的资金。理解advance rate的影响对借款人和贷方都至关重要。对于借款人来说，更高的advance rate意味着他们可以获得更多的资本，这可以用于各种目的，例如扩展业务、购买新设备或管理现金流。然而，也需要考虑相关风险。更高的advance rate可能表明贷方认为资产风险更大，这可能导致更高的利率或更严格的还款条款。在贷方方面，确定适当的advance rate涉及评估抵押品的质量和流动性。贷方通常会进行彻底的尽职调查，以评估资产的市场价值、历史表现和潜在风险。保守的advance rate反映了一种谨慎的贷款方式，确保贷方在违约的情况下得到保护。相反，激进的advance rate可能会吸引更多的借款人，但也增加了贷方的风险敞口。advance rate在不同行业之间也可能显著不同。例如，拥有大量库存的零售企业可能具有更高的advance rate，而依赖知识产权的科技公司则可能较低。这种差异突显了在谈判贷款条款时行业知识的重要性。此外，advance rate还可能受到经济条件的影响。在经济稳定时期，贷方可能更愿意提供更高的advance rate，而在经济衰退期间，他们可能会收紧贷款标准。这种动态变化的advance rate突显了企业需要关注市场趋势并相应调整财务策略的重要性。总之，advance rate是金融领域中的一个重要概念，作为借款人可以根据其资产获取多少资本的关键指标。借款人和贷方都必须理解其影响，以有效应对融资的复杂性。通过掌握advance rate的细微差别，企业可以做出更好的财务决策，确保在竞争激烈的市场中处于有利地位，实现增长和成功。